Main Article Content
Abstract
The three objectives of this study were to determine: 1) the effects of internet banking on cybercrime in Denpasar City; 2) the effects of consumer protection for users of internet banking facilities on cybercrime in Denpasar; and 3) the effects of both the use of internet banking and consumer protection for users of internet banking facilities on cybercrime in Denpasar. This is a quantifiable research with population comprising the residents of Denpasar . The information was collected through a survey with 150 respondents using an unintentional selection technique. To evaluate the data collection, the traditional premise test, the multiple linear regression analysis, the coefficient of determination test (R2), and the hypothesis test (F-test and t-test) were all implemented. The outcome demonstrates: 1) The use of internet banking positively impacts cybercrime in Denpasar. 2) Consumer protection for users of internet banking facilities positively impacts cybercrime in Denpasar. 3) The use of internet banking positively impacts both consumer protection for users of internet banking facilities and cybercrime in Denpasar.
Keywords
Article Details
This work is licensed under a Creative Commons Attribution 4.0 International License.
This work is licensed under a Creative Commons Attribution 4.0 International License.
References
- Abbas, T., Officer, S., Affairs, C., Limited, A. S., Arif, K., & Lumpur, K. (2023). End-users. In Perception of Cybercrimes towards E-banking Adoption and Retention (Vol. 1, pp. 89–97). https://doi.org/10.31645/JISRC.23.21.1.10
- Adiandari, A., Winata, H., Fitriandari, M., & Hariguna, T. (2020). Improving the quality of Internet banking services: An implementation of the quality function deployment (QFD) concept. Management Science Letters, 10(5), 1121–1128.
- Akartuna, E. A., Johnson, S. D., & Thornton, A. (2022). Preventing the money laundering and terrorist financing risks of emerging technologies: An international policy Delphi study. Technological Forecasting and Social Change, 179, 121632.
- Ali, L. (2019). Cyber crimes-A constant threat for the business sectors and its growth (A study of the online banking sectors in GCC. The Journal of Developing Areas, 53(1).
- Alshurideh, M. (2022). Does electronic customer relationship management (E-CRM) affect service quality at private hospitals in Jordan? Uncertain Supply Chain Management, 10(2), 325–332.
- Chen, X. (2022). Machine learning approach for a circular economy with waste recycling in smart cities. Energy Reports, 8, 3127–3140.
- Danuri, M., & Suharnawi. (2017). Trend Cyber Crime Dan Teknologi Informasi Di Indonesia. Informasi Komputer Akuntansi Dan Manajemen, 13(2), 55–65.
- Drew, J. M. (2020). A study of cybercrime victimisation and prevention: exploring the use of online crime prevention behaviours and strategies. Journal of Criminological Research, Policy and Practice, 6(1), 17–33. https://doi.org/10.1108/JCRPP-12-2019-0070
- Fletcher, G., & Griffiths, M. (2020). Digital transformation during a lockdown. International Journal of Information Management, 55. https://doi.org/10.1016/j.ijinfomgt.2020.102185
- Franjić, S. (2020). Cybercrime is very dangerous form of criminal behavior and cybersecurity. Emerging Science Journal, 4, 18.
- Ghelani, D., Hua, T. K., & Koduru, S. K. R. (2022). A Model-Driven Approach for Online Banking Application Using AngularJS Framework. American Journal of Information Science and Technology, 6(3), 52–63.
- Giri, R. R. W., Santoso, B. R., Mustikasari, A., & Bratawisnu, M. K. (2017). Consumer perceptual mapping towards e-banking channel:(A study of bank BRI customer in Indonesia (pp. 1–4).
- Hasbullah, M. A. (2022). Identifying the Effects of Cybercrime on Business Laws: Implications for Businesses and Consumers. International Journal of Cyber Criminology, 16(2), 119–130.
- Hassan, H., & Farmanesh, P. (2022). Customer adoption of self-service technologies in Jordan: Factors influencing the use of Internet banking, mobile banking, and telebanking. Management Science Letters, 12(3), 193–206.
- Hatta, M., Rajamanickam, R., Abdullah, D., Hartono, H., Bunga, M., Adji, H. S., & Rianita, D. (2018). Efforts to overcome cyber crime actions in Indonesia. Journal of Physics: Conference Series, 1114(1), 12081.
- Iivari, N., Sharma, S., & Ventä-Olkkonen, L. (2020). Digital transformation of everyday life – How COVID-19 pandemic transformed the basic education of the young generation and why information management research should care? International Journal of Information Management, 55. https://doi.org/10.1016/j.ijinfomgt.2020.102183
- Irawati, N., Maksum, A., Sadalia, I., & Muda, I. (2019). Financial performance of indonesian’s banking industry: the role of good corporate governance, capital adequacy ratio, non performing loan and size. International Journal of Scientific and Technology Research, 8(4), 22–26.
- Jameel, A. S., & Alheety, A. S. (2022). Customers’ perceptions and behavioral intentions regarding mobile banking usage. 2022 International Conference on Innovation and Intelligence for Informatics, Computing, and Technologies (3ICT, 189–194.
- Jashinsky, T. L., King, C. L., Kwiat, N. M., Henry, B. L., & Lockett‐Glover, A. (2021). Disability and COVID‐19: Impact on workers, intersectionality with race, and inclusion strategies. The Career Development Quarterly, 69(4), 313–325. https://doi.org/10.1002/cdq.12276
- Javaid, M., Haleem, A., Pratap, R., Suman, R., & Khan, S. (2022). BenchCouncil Transactions on Benchmarks , Standards and Evaluations Review article A review of Blockchain Technology applications for financial services. BenchCouncil Transactions on Benchmarks, Standards and Evaluations, 2(3), 100073. https://doi.org/10.1016/j.tbench.2022.100073
- Jogiyanto. (2007). Sistem informasi keperilakuan (Revisi. Andi Offset.
- Khan, K., Nouman, M., & Imran, M. (2015). Determinants of financial performance of financial sectors (An assessment through Economic value added. Institute of Business and Management Sciences, 1–32.
- Klein, V. B., & Todesco, J. L. (2021). COVID‐19 crisis and SMEs responses: The role of digital transformation. Knowledge and Process Management, 28(2), 117–133.
- Liyanaarachchi, G., Deshpande, S., & Weaven, S. (2021). Market-oriented corporate digital responsibility to manage data vulnerability in online banking. International Journal of Bank Marketing, 39(4), 571–591.
- Naeem, M., & Ozuem, W. (2021). Journal of Retailing and Consumer Services The role of social media in internet banking transition during COVID-19 pandemic : Using multiple methods and sources in qualitative research. Journal of Retailing and Consumer Services, 60(October 2020), 102483. https://doi.org/10.1016/j.jretconser.2021.102483
- Ngo, F. T., Agarwal, A., Govindu, R., & MacDonald, C. (2020). Malicious software threats. In The Palgrave Handbook of International Cybercrime and Cyberdeviance (pp. 793–813).
- Okafor, L. E., Bhattacharya, M., & Apergis, N. (2020). Bank credit, public financial incentives, tax financial incentives and export performance during the global financial crisis. World Economy, 43(1), 114–145. https://doi.org/10.1111/twec.12848
- Okpa, J. T., Ajah, B. O., & Igbe, J. E. (2020). Rising trend of phishing attacks on corporate organisations in Cross River State, Nigeria. International Journal of Cyber Criminology, 14(2), 460–478.
- Pai, C.-K., Wu, Z.-T., Lee, S., Lee, J., & Kang, S. (2022). Service Quality of Social Media-Based Self-Service Technology in the Food Service Context. Sustainability (Switzerland), 14(20). https://doi.org/10.3390/su142013483
- Pantea, M., Gligor, D., & Anis, C. (2014). Economic determinants of Romanian firms’ financial performance. Procedia-Social and Behavioral Sciences, 124, 272–281. org/10.1016/j.sbspro.2014.02.486.
- Park, H., & Kim, J. D. (2020). Transition towards green banking: role of financial regulators and financial institutions. Asian Journal of Sustainability and Social Responsibility, 5(1), 1–25.
- Partelow, S., Fujitani, M., Williams, S., Robbe, D., & Saputra, R. A. (2023). Disaster impacts, resilience, and sustainability opportunities for Gili Trawangan, Indonesia: transdisciplinary reflections following COVID-19. Disasters, 47(2), 499–518. https://doi.org/10.1111/disa.12554
- Pekkola, E., Siekkinen, T., Kujala, E.-N., Kanniainen, J.-P., & Laihonen, H. (2021). An assessment of COVID-19’s impact on Finnish University Leadership. Knowledge Management Research and Practice, 19(4), 510–516. https://doi.org/10.1080/14778238.2021.1906773
- Piasecki, S., Urquhart, L., & McAuley, P. D. (2021). Defence against the dark artefacts: Smart home cybercrimes and cybersecurity standards. Computer Law and Security Review, 42. https://doi.org/10.1016/j.clsr.2021.105542
- Qi, S., Jin, K., Li, B., & Qian, Y. (2020). The exploration of internet finance by using neural network. Journal of Computational and Applied Mathematics, 369, 112630.
- Rodrigues, A. R. D., Ferreira, F. A., Teixeira, F. J., & Zopounidis, C. (2022). Artificial intelligence, digital transformation and cybersecurity in the banking sector: A multi-stakeholder cognition-driven framework. Research in International Business and Finance, 60, 101616.
- Setiawati, A. P., Susetyorini Susetyorini, U. E., Rusdiyanto, R., Astanto, D., Ulum, B., Khadijah, S. N., & Umanailo, M. C. B. (2019). The Role Of Customer Service Through Customer Relationship Management (CRM) To Increase Customer Loyalty And Good lmage. International Journal of Scientific and Technology Research, 8(10), 2004–2007.
- Shokuhi, A., Ali, S., & Chashmi, N. (2019). Formulation of Bank Melli Iran Marketing Strategy Based on Porter ‘ S Competitive Strategy Formulation of Bank Melli Iran Marketing Strategy Based on Porter ‘ S. Journal of Business-to-Business Marketing, 0(0), 1–7. https://doi.org/10.1080/1051712X.2019.1603421.
- Sugiyono. (2017). Metode Penelitian Kuantitatif, Kualitatif, dan R&D. Alfabeta.
- Sun, S., & Guo, L. (2022). Digital transformation, green innovation and the Solow productivity paradox. PLoS ONE, 17(7 July). https://doi.org/10.1371/journal.pone.0270928
- Thirupathi, M., Vinayagamoorthi, G., & Mathiraj, S. (2019). Effect Of Cashless Payment Methods : A Case Study Perspective Analysis.
- Usman, O., Monoarfa, T., & Marsofiyati, M. (2020). E-Banking and mobile banking effects on customer satisfaction. Accounting, 6(6), 1117–1128.
- Venkatesh, V. (2020). Impacts of COVID-19: A research agenda to support people in their fight. International Journal of Information Management, 55. https://doi.org/10.1016/j.ijinfomgt.2020.102197
- Yadav, P., & Shaikh, I. (2023). Measuring financial resilience with consumer sentiment data from India. International Journal of Bank Marketing, 41(5), 1083–1103.
- Zhai, Y., Chen, K., Zhou, J. X., Cao, J., Lyu, Z., Jin, X., Shen, G. Q. P., Lu, W., & Huang, G. Q. (2019). Advanced Engineering Informatics An Internet of Things-enabled BIM platform for modular integrated construction : A case study in Hong Kong. Advanced Engineering Informatics, 42(September), 100997. https://doi.org/10.1016/j.aei.2019.100997